Compute the maximum provident-fund loan from account balance and contribution base before applying.
输入两个参数，自动计算常用结果
| Item | Formula / Note | Source / Standard |
|---|---|---|
| Balance multiple | Loan = balance × multiple (10/15/20, by city and tenure) | City fund-center rules |
| Base constraint | Contribution = base × (employer + employee rates), commonly 5%–12% | Housing Fund Regulation Article 18 |
| Repayment-capacity method | Loan = monthly contribution ÷ rate × 50% × 12 × term | One of the two common sizing methods |
| Lower-of rule | Take the lowest of balance-multiple, capacity, price-share and cap | Housing-fund approval rule |
公积金可贷额度（按余额/缴存）。免费在线工具，纯前端处理，数据不上传，保护隐私安全。